You dispute with your insurer the application of an exclusion of cover

You dispute with your insurer the application of an exclusion of cover

 

The extent of the risks covered by an insurance contract varies from one insurer to another. For a given guarantee, exclusions will limit the scope of the guarantee. Article L. 113-1 of the Insurance Code provides that, to be valid, exclusions from cover must be formal and limited.

 

If your insurer opposes you to exclude your coverage, read the terms of your contract carefully. For example, in the event of theft, the latter may not be guaranteed if the shutters were not closed during an absence of more than twenty-four hours. In the present case, this clause does not pose any difficulty.

 

Conversely, the clause "All usual and reasonable precautions for the conservation of the insured property must have been taken" may pose a problem. Indeed, the clause is not limited to a specific area and is subject to interpretation. So do not hesitate, in such a case, to dispute the position of your insurer who would hide behind this clause in order not to compensate you.

 

Dear,

 

In the referenced file (claim and contract numbers), you refuse to implement the guarantee (mention the guarantee concerned: theft, water damage, etc.) on the grounds that (quote or rephrase the disputed clause).

 

This clause does not cover a sufficiently precise area, it is subject to interpretation. However, article L. 113-1 of the Insurance Code requires that the exclusions provided for in insurance contracts be formal and limited in order to be valid.

 

Insofar as this clause is not formal and limited, you cannot oppose it to me.

 

I therefore demand that you review your position on this matter.

 

Pending your response, please accept, Madam, Sir, the expression of my best regards.

 

(Signature) 19